Mid-Market Commercial Credit Analyst II

Fifth Third Bank; Raleigh (NC); Sur place; USD 70 000 - 110 000; Plein temps

Résumé du poste

Fifth Third Bank in Raleigh, NC seeks a Credit Analyst II to partner with Portfolio Managers, underwriting and monitoring credit with strong financial analysis. You will draft documents and prepare for credit reviews with limited guidance, building underwriting proficiency from start to finish.

The role requires expertise in financial modeling, risk assessment, and knowledge of banking products. Expect collaboration on portfolio reviews and covenant monitoring, with opportunity to advance

Qualifications

• Bachelor's degree in Business (e.g. Business Administration, Finance, or Accounting).
• Sound Financial and risk analysis understanding, including the ability to develop financial models.
• Extensive knowledge of banking products and services.
• Knowledge of corporate business structure and legal documents.
• General knowledge of U.S. government and regulation.
• Proficiency in internal banking applications.
• Strong verbal and written communication skills.
• Demonstrated expertise in using effective problem solving and analytical skills with ability to handle and prioritize multiple tasks.

Responsabilités

• Partner with Portfolio Managers in credit and underwriting, performing analytical tasks as needed.
• Use critical thinking to identify and draft documentation.
• Responsible for regularly completing indicative credit information into Banking Systems with little to no errors.
• Responsible for preparing risk-rating scorecard and tickler event analysis and determining actions based on results working in collaboration with PM's.
• Responsible for developing risk models and advising PMs of unforeseen obstacles that may impede meeting client expectations.
• Identify and determine monitoring analysis activities required.
• Verify covenants and define updates needed on ticklers.
• Monitor covenant completion and track past due or out of compliance covenants and recommend appropriate course of action.
• Responsible for assessing covenant compliance reporting and identifying issues.
• Review covenant compliance certificates to understand performance and determine actions.
• Update financial covenants and calculations as needed.
• Run Probability of Default (PD) model with oversight.
• Responsible for understanding and evaluating completed spreads to determine necessary edits working in collaboration with the CCU team.
• Responsible for identifying and recommending preliminary portfolio management actions using Credit Service reporting and RADAR with some oversight.
• Prepares ALSR reports with oversight.
• Responsible for running risk and projection models with oversight assumptions provided.
• Responsible for completing underwriting process with limited oversight.
• Create and complete a CAM with little to no errors.
• Review and re-write renewals for deals of limited complexity.
• Responsible for portfolio analysis and the development for Portfolio Reviews in preparation for client meetings.
• Support Portfolio Managers and special projects.
• Takes appropriate remedial actions to resolve deficiencies and escalates questions/disputes to appropriate level when necessary.

Connaissances

Financial analysis

Risk analysis

Financial modeling

Banking applications

Communication

Problem solving

Analytical skills

Microsoft Office

Formation

Bachelor's degree in Business

Outils

Microsoft Office

Description du poste

Fifth Third Bank in Raleigh, NC seeks a Credit Analyst II to partner with Portfolio Managers, underwriting and monitoring credit with strong financial analysis. You will draft documents and prepare for credit reviews with limited guidance, building underwriting proficiency from start to finish.

The role requires expertise in financial modeling, risk assessment, and knowledge of banking products. Expect collaboration on portfolio reviews and covenant monitoring, with opportunity to advance